Investa Securities's Publications

• Investa Securities Ltd.’s Tips for Diversification, Investa Securities December, 2010 By: Investa Securities To protect your assets, you should hold a variety of investments in your portfolio. By diversifying your holdings, you can prevent large losses caused by the decline of a single security or asset. A mixed portfolio also requires less active management, and such accounts typically perform similarly to major stock indexes such as the Dow Jones Industrial Average. Diversification also helps investors manage risk. By maintaining a variety of securities and investments, investors can create a more stable portfolio. Here are some tips for diversifying your investment portfolio. 1. Purchase a wide array of assets. Instead of just investing in stocks, also consider buying bonds, commodities, and real estate. 2. Consider diversifying internationally. 3. Invest regular smaller amounts rather than large lump sums. 4. Rebalance your portfolio periodically. 5. Keep an eye on market conditions and exit investments if it seems prudent. 6. Know what fees you are paying to whom, and how they affect your portfolio. 7. Invest in company-sponsored retirement plans, but maintain your own investments as well. 8. Select securities from different industries, as well as companies subject to different economic influences. 9. Mix small-, mid-, and large-cap stocks in your portfolio. 10. Mutual funds tend to be natural diversifiers; however, it is important to read the prospectus for each in order to judge risk. Holding a variety of mutual funds is also critical.

• Investa Securities on Bonds January, 2011 By: Investa Securities A form of debt security, bonds require that the issuer repay the principal amount at a given time, usually with interest. Most bonds originate from governments and each country issues bonds at different maturity rates. Companies may also issue bonds to fund long-term projects or expansion. More expensive bonds impose a lower interest rate, which is a fixed percentage. Since bonds represent a guaranteed profit, they are an important element of any diversified portfolio, providing protection against any potential losses from other investments. In the United States, the greatest government bond issuer, the Treasury Department offers securities through the Bureau of the Public Debt. Many refer to these securities as treasuries. At present, four marketable treasury securities exist: bills, notes, bonds, and inflation-protected securities. Bills mature quickly, often in less than a year. Since investors collect no interest before the bill matures, they purchase the bill at a discounted price and thus make a profit when the bill reaches maturity. Notes mature in 2 to 10 years and pay interest twice each year. Bonds require 20 to 30 years for maturity and pay interest every 6 months. The most current bond interest rate determines the long-term interest rate. Inflation-protected securities possess an adjustable principal, controlled by the Consumer Price Index, which measures inflation. While the interest rate remains fixed, the principal fluctuates, generating variable returns. They protect the investor against periods of serious inflation. The following video highlights the differences between stocks and bonds, clearly outlining the origin and function of bonds: Bonds vs. Stocks by Investa Securities

• Interview with an Investa Securities Advisor, Investa Securities February, 2011 A high profile financial institution offering many options for clients who wish to protect their assets while turning a profit in the stock market, Investa Securities employs brokers, ex-bankers, and financial analysts. Based in Auckland, New Zealand, the firm takes advantage of expansion in the investment industry for its clients. I had the chance to speak with an Investa Securities advisor about the different services and products offered by the company, and the interview follows. 1. Thanks for taking the time to speak with me today. Can you tell me a little about the benefits clients receive when banking with Investa Securities? Thank you, and it is my pleasure to be here. Investa Securities has extended its reach to work with financial institutions in Panama, Spain, Singapore, England, and Gibraltar. As advisors, we seek opportunities involving low-risk, secure transactions for our clients, and the firm offers different bank accounts for clients, providing transparency and security in each operation. 2. What types of portfolios does Investa Securities offer to its customers? We work with a wide variety of individuals who each have different needs, and we work diligently to find a financial fit for each client. Investa provides three investment options for clients: Portfolio BRIC, Portfolio Private, and Portfolio Bonds. Those who choose the BRIC option enjoy a diversified portfolio of stocks from markets in Mumbai, India; Moscow, Russia; Shanghai, China; and São Paulo, Brazil; and other international exchanges. Portfolio Private includes a variety of domestic bonds, along with bonds from other emerging markets and the option for other assets. The last type, Portfolio Bonds, was designed for clients who have a low tolerance for risk. We invest the money in this portfolio in debt issued by leading countries. 3. What is the differentiating factor between Investa Securities and other financial institutions? Simply put, the advisors at Investa Securities are privy to international markets and options that large financial firms may overlook every day. When you add the benefits of a 24-hour dealing desk and an online banking section, Investa Securities presents financial alternatives that clients will see as strong advantages.

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